Guardian Pharmacy Services Management, LLC 401(k) Review & Grade
Guardian Pharmacy Services Management, LLC 401(k) Plan
Atlanta, GARetail Trade3,120 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,605Employer $ per active participant
$4,063Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$153.9MNet plan assets, end of year
$44,611Average balance per account
Score breakdown
- Employer generosity40.7 / 5081th percentile for employer $ per participant
- Low cost11.3 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 45th |
| Employee saving | 78th |
| Peers that auto-enroll | 42% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Guardian Pharmacy Services Management put in about $1,605 per active participant, more than the typical peer ($650). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $5,007,843 |
| Participant (employee) contributions | $12,678,710 |
| Other contributions (incl. rollovers in) | $7,106,779 |
| Administrative expenses paid from the plan | $195,583 |
| Contract administrator fees | $130,753 |
| Investment advisory & management fees | $64,830 |
| Benefits paid out | $8,392,567 |
| Net assets, start / end of year | $120.5M / $153.9M |
| Active participants, start / end of year | 2,972 / 3,269 |
| Participants with account balances | 3,450 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Warren Averett LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $130,753 reported compensation |
| Regions Bank | $65,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929112348NAL0011244689001, received 2025-09-29, EIN 92-0861586, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.